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3-Series (E46, E90) Chat relating to the BMW 3-Series from 1999 to Current. Models include: BMW 316i, BMW 318i, BMW 318Ci, BMW 320i, BMW 323i, BMW 325i, BMW 330i, BMW 328 Ci, BMW 328i, BMW 325i/xi, BMW 330Ci, BMW 320d, BMW 330d, BMW 335d.

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Old 04-22-2003, 08:03 AM   #1 (permalink)
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I was just curious what kind of insurance I'd be looking at having turned 20 in March with a perfect record (no tickets/violations). For a new 2003 Ci

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Old 04-22-2003, 08:27 AM   #2 (permalink)
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Hugh!! You are under 25 so you are considered 'high risk' so you will pay through the nose..
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Old 04-22-2003, 09:29 AM   #3 (permalink)
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my dad handles my insurance, so i dont know, but i do not that the 325 is considered a performance car, so look to even more cause of that factor
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Old 04-22-2003, 10:49 AM   #4 (permalink)
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Originally posted by SpeedsterBMW@Apr 22 2003, 09:29 AM
my dad handles my insurance, so i dont know, but i do not that the 325 is considered a performance car, so look to even more cause of that factor
do you even know how much your insurance is? i'm betting 300 a month. it must be a lot for an M3
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Old 04-22-2003, 11:02 AM   #5 (permalink)
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that could be right, becuase i know its over a thousand every 6 months... :angry:
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Old 04-22-2003, 12:41 PM   #6 (permalink)
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Originally posted by SpeedsterBMW@Apr 22 2003, 09:02 AM
that could be right, becuase i know its over a thousand every 6 months... :angry:
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Old 04-22-2003, 09:48 PM   #7 (permalink)
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mines through the roof. dont ask how much...way too much
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Old 04-22-2003, 10:28 PM   #8 (permalink)
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coupes make insurance go up a lot more than sedans. can't wait till i'm 25!!!!
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Old 04-23-2003, 12:55 AM   #9 (permalink)
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Quote:
Originally posted by donutchow+Apr 22 2003, 10:49 AM--></span><table border='0' align='center' width='95%' cellpadding='3' cellspacing='1'><tr><td>QUOTE (donutchow @ Apr 22 2003, 10:49 AM)</td></tr><tr><td id='QUOTE'> <!--QuoteBegin--SpeedsterBMW@Apr 22 2003, 09:29 AM
my dad handles my insurance, so i dont know, but i do not that the 325 is considered a performance car, so look to even more cause of that factor
do you even know how much your insurance is? i'm betting 300 a month. it must be a lot for an M3 [/b][/quote]
Yeah, when you write out the check that you give to your dad to pay for your car insurance (on both the S4 and your M3), how much is in the little box where you put the numbers?

As for Ender's question - a 2003, you'll be financing right? You'll need full coverage, no question or way around it. It's a luxury vehicle, blah blah, cut a testicle off now and wrap it up real nice for the insurance company. Then put on some lipstick so you can at least look good when they ream you.
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Old 04-23-2003, 11:09 AM   #10 (permalink)
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Quote:
Originally posted by GreenDragon+Apr 22 2003, 10:55 PM--></span><table border='0' align='center' width='95%' cellpadding='3' cellspacing='1'><tr><td>QUOTE (GreenDragon @ Apr 22 2003, 10:55 PM)</td></tr><tr><td id='QUOTE'>
Quote:
Originally posted by -donutchow@Apr 22 2003, 10:49 AM
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Quote:
@Apr 22 2003, 09:29 AM
my dad handles my insurance, so i dont know, but i do not that the 325 is considered a performance car, so look to even more cause of that factor

do you even know how much your insurance is? i'm betting 300 a month. it must be a lot for an M3
Yeah, when you write out the check that you give to your dad to pay for your car insurance (on both the S4 and your M3), how much is in the little box where you put the numbers?

As for Ender's question - a 2003, you'll be financing right? You'll need full coverage, no question or way around it. It's a luxury vehicle, blah blah, cut a testicle off now and wrap it up real nice for the insurance company. Then put on some lipstick so you can at least look good when they ream you. [/b][/quote]
lol, im guessing (probabily going out on a limb) that his dad pays for his insurance. That S4 can't be cheap either :lol:

the insurance will probabily cost a lot, go to progressive.com and get a quote from them and 5 other companies of your choice for a better idea, i think it is free (although they will probabily spam you 4eva)
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Old 04-24-2003, 02:15 AM   #11 (permalink)
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Here's a good article for ya:

Insurance

"Insurers base their auto rates on how likely a driver will get into a crash, and statistics show that young, inexperienced drivers account for a disproportionate share of crashes. When fatal crashes alone are examined, drivers between the ages of 16 and 17 are three times more likely to be killed in a traffic crash than people between the ages of 25 and 64, according to the National Safety Council. "
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Old 04-24-2003, 04:00 AM   #12 (permalink)
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I never liked statistics. Too... assuming. They just assume that everyone is exactly the same. This 20 year old got into a wreck, so other 20 year olds will too. Unfortunately, I can understand why they do that in this type of situation. They gotta get paid. I like your new sig, GD
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Old 04-24-2003, 04:16 AM   #13 (permalink)
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Originally posted by 87 325@Apr 24 2003, 04:00 AM
I never liked statistics. Too... assuming. They just assume that everyone is exactly the same. This 20 year old got into a wreck, so other 20 year olds will too. Unfortunately, I can understand why they do that in this type of situation. They gotta get paid. I like your new sig, GD
True that. I hate being lumped into the same category as 'those' people (fortunately I'm part of the 25 and over crowd now ). However, there is some truth to it. Think about who you normally see racing around the streets, strapping turbo chargers (no offense to those with Turbos) to their cars and racing anything that moves on the highways. Someone posted in another thread that they rarely get to race girls. Too bad there isn't anything we can do about it.

Thanks for the props on the sig. MUCH better looking than the other one :lol:
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Old 04-25-2003, 02:46 AM   #14 (permalink)
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I am 22 and have a 325i and live in NJ w/ Allstate my ins. is $3300. Alot but my 300ZX TT was $5400
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Old 08-19-2003, 10:21 PM   #15 (permalink)
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Well???? I am 19 and have a 2000 BMW 323CI (which is basically same as 325CI) and I've had 5 speeding tickets (two trips to driving school), 2 tickets for running stop signs, 1 for seatbelt, and 1 for window tint. My record pretty much sux right now, however my insurance isn't that bad because I've got a lot of them dismissed(Pop's a lawyer ). It runs about the same as if it was a Honda Prelude or Chevy Camaro.
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